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All branch locations will be closed Monday, January 18 in observance of Martin Luther King Jr. Day.
Image of keys being passed to a new homeowner.

Government Loans

Benefit from specialized mortgage loans through various Government Agencies.
Restrictions and qualifications apply as determined by the governmental agencies. Our Morton Community Bank Lending Team can help you determine which loan options are right for you.

Apply Now Check Rates Mortgage Center

Pre-Qualification
Even if you are still looking for the perfect home, you can take the first step by obtaining a pre-qualification letter confirming the amount you may be able to borrow.  Once you are ready to buy, contact your Loan Officer to complete the application process.

You can visit our Resources page to gain insight into the mortgage process including:

  • Mortgage calculators to help create estimated payments
  • Frequently asked questions regarding the loan application process and loan closing
  • Glossary of terms which may be used when you purchase your home

United States Department of Agriculture (USDA) Rural Development

Rural development home loans sponsored by the USDA.

  • Income limits may apply
  • Must be located within an eligible rural area

Veterans Affairs (VA)
Home loans specifically designed for Service Members and their families. 

  • Mortgage loans for Service members, Veterans and eligible surviving spouses
  • Guaranteed portion of loan

Federal Housing Administration (FHA)
Loans in partnership with FHA.

  • Down payment possible
  • Available on 1-4 unit properties

Are you ready to move forward? Click Here for Lender contact information. You can also begin by completing our online application process.  After completing your application, a Community Banker will contact you. 

*Loan Serviced by Morton Community Bank.
Certain qualifications and restrictions apply.  Offer of credit is subject of credit approval.